My boss, who sits behind me, is in charge of dealing with issues related to this equation:
I’m being trained into the specifics this quarter to take it over for our team; I am familiar with the equation from when I interned at State Farm (it comes to finance from actuarial modeling).
You can read all about how that equation probably destroyed 150 years of financial capitalism, mostly the current global economy, and certainly your 401(k) here. It’s a fantastic article by Felix Salmon, whose blog you should be reading.
Though when the angry mob comes for me and my team, I’ll point at community organizers and the CRA.